You have lots of choices when insurance shopping for your vehicle. You can either buy through your neighborhood insurance agent or go online to compare pricing from car insurance companies. Buying car insurance from online rate quotes can be fast and easy and at the same time you will probably save money.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. The easiest way to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

Which factors influence car insurance premiums?

Insurance rates paid to insure a 2009 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 2009 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• How you use your vehicle
• Special coverage such as replacement cost
• Your profession
• The level of coverage
• Whether you rent or own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a reduced actual cash value so the costs to repair may result in lower rates. Conversely, newer vehicles may have options such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system that may help provide discounts that lower premiums.

Liability insurance - This coverage can cover damages or injuries you inflict on a person or their property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision - Collision insurance covers damage to your from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive protection - This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense coverage - Coverage for medical payments and/or PIP pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.